Voluntary Term Life Insurance

Transcription

1 Voluntary Term Life Insurance Employee Benefit Booklet CITY OF TUCSON GAZ Class 1-01 Products and services marketed under the Dearborn National brand and the star logo are underwritten and/or provided by Fort Dearborn Life Insurance Company (Downers Grove, IL) in all states (excluding New York), the District of Columbia, the United States Virgin Islands, the British Virgin Islands, Puerto Rico and Guam. 10/02/2012

2 (A stock life insurance company, herein called the We Us or Our ) Administrative Office: st Street Downers Grove IL Having issued Group Policy No. GAZ (herein called the Policy) to CITY OF TUCSON (herein called the Policyholder) GROUP INSURANCE CERTIFICATE CERTIFIES that You are insured, provided that You qualify under the ELIGIBILITY AND EFFECTIVE DATES provision, become insured and remain insured in accordance with the terms of the Policy. Your insurance is subject to all the definitions, limitations and conditions of the Policy, and it takes effect as stated in the ELIGIBILITY AND EFFECTIVE DATES provision. This Certificate describes Your eligibility for benefits and the terms and provisions of the Policy. It replaces and cancels any other Certificate previously issued to You under the Policy. If the terms and provisions of the Group Insurance Certificate (issued to You) are different from the policy (issued to the Policyholder), the Policy will govern. Your coverage may be canceled or changed in whole or in part under the terms and provisions of the Policy. READ YOUR CERTIFICATE CAREFULLY Signed for Fort Dearborn Life Insurance Company Secretary President Voluntary Group Term Life Insurance Certificate with Dependent Spouse Life Insurance Benefits Non-Participating FDL

3 TABLE OF CONTENTS Schedule of Benefits Eligibility and Effective Dates Group Term Life Insurance Benefit Conversion of Life Insurance Waiver of Premium Accelerated Death Benefit Portability Benefit Dependent Spouse Life Insurance Conversion of Dependent Spouse Life Insurance Termination Provisions General Provisions Definitions FDL

4 SCHEDULE OF BENEFITS POLICYHOLDER: POLICY NUMBER: EFFECTIVE DATE: ANNUAL ENROLLMENT PERIOD: CITY OF TUCSON GAZ July 1, 2011(reissued) 5/1-5/31 ELIGIBILITY: Class 01 All permanent full-time Employees, part-time benefit eligible Employees, full-time and part-time benefit eligible appointed Employees and all elected officials of the Policyholder working in the United States of America who are Actively at Work for the Policyholder and who have completed the Waiting Period are eligible for the insurance. A full-time or part-time Employee is one who regularly works a minimum of 20 hours per week for the Policyholder. Seasonal, provisional, intermittent and temporary Employees of the Policyholder are not eligible. Eligibility Waiting Period: Current Employees: First of the pay period following 30 Days of employment New Employees: First of the pay period following 30 Days of employment Policyholder Voluntary Life 0% of premium Contribution: Dependent Spouse Life 0% of premium GROUP TERM LIFE INSURANCE Employee Voluntary Life Benefit Amount FDL Choice of Option 1, 2 or 3 Option 1 2 times Annual Earnings, rounded to the next higher $1,000, to a maximum of $100,000 Option 2 4 times Annual Earnings, rounded to the next higher $1,000, to a maximum of $200,000 Option 3 6 times Annual Earnings, rounded to the next higher $1,000, to a maximum of $300,000 Annual Earnings means Your base annual salary from the Policyholder. Guarantee Issue Benefit Limit Voluntary: Employee: $300,000; Spouse: $22,500 Benefit amounts may be subject to Guarantee Issue limits based on participation levels as determined by Us. Any Guarantee Issue Limits established are only available during Your group s initial enrollment and for new employees who have met the Eligibility requirements. Employees must enroll within 31 days of their eligibility date to qualify for any established Guarantee Issue. Reduction of Benefits Voluntary Group Term Life benefits reduce by 35% of the original amount at age 65, further reduce to 50% of the original amount at age 70, and further reduce to 30% of the original amount at age 75. Benefits terminate at retirement. Benefits for elected officials will terminate upon expiration of the official s term. Waiver of Premium Waiver Eligibility Insured Eligibility Maximum Waiver of Premium Duration age 70 Totally Disabled prior to age 60 without interruption from the last date worked for at least 6 months Employee Accelerated Death Benefit (ADB) Benefit Amount 75% of Voluntary Term Life Insurance In force Insured Eligibility Employee Minimum Covered Life Insurance Amount $20,000

6 ELIGIBILITY AND EFFECTIVE DATE PROVISIONS Who is eligible for this insurance? The eligibility for this insurance is as indicated in the Schedule of Benefits. The Eligibility Waiting Period is set forth in the Schedule of Benefits When does Your Contributory insurance become effective? Contributory means You pay all or a portion of the premium for this insurance coverage. You may apply for Voluntary insurance coverage during the Annual Enrollment Period as indicated in the Schedule of Benefits. Your coverage will become effective as follows, provided You are Actively at Work on that date: Your Contributory coverage for amounts up to the Guarantee Issue Benefit Limit will become effective on the latest of the following dates provided You are Actively at Work on that date: 1. If You enroll for coverage prior to the Policy effective date, the Policy effective date; 2. If You enroll for coverage within 31 days of Your eligibility date, on the first of the month that falls on or next follows the date You sign the Enrollment Form; 3. If You do not enroll for Voluntary coverage within 31 days after Your eligibility date, You must wait until the next Annual Enrollment Period to apply, unless You qualify because of a Change in Family Status. a. Initial requests for coverage or requests for changes to existing coverage made during the Annual Enrollment Period will become effective on the later of the Policy anniversary date or the date We approve Your Evidence of Insurability. b. Coverage requested within 31 days of a Change in Family Status will become effective on the first of the month that falls on or next follows the date of the Change in Family Status. You must be Actively at Work for coverage under the Policy to become effective. Enrollment Form means the application You complete to apply for coverage under the Policy Change in Family Status If You experience a Change in Family Status, You may enroll for Voluntary coverage, apply for additional coverage, or request changes to Your current Voluntary benefit program(s) without providing Evidence of Insurability, provided the benefit change is consistent with the Change in Family Status. You must submit the appropriate Enrollment Form within 31 days of the Change in Family Status as defined above. Change in Family Status means changes in the status of Your family, including but not limited to: 1. You get married or execute a Domestic Partner affidavit; 2. Your Spouse dies or You become divorced FDL

7 When is Evidence of Insurability required? Evidence of Insurability is required if: 1. You are a late applicant, which means You enroll for insurance more than 31 days after Your eligibility date; or 2. You voluntarily canceled Your insurance and choose to reapply; or 3. You apply to increase Your coverage amount during an Annual Enrollment period. Receipt of premium before We have approved Evidence of Insurability will not constitute acceptance and does not guarantee issuance of any benefit amount prior to Our approval. Evidence of Insurability means a statement of Your medical history which We will use to determine if You are approved for coverage. Evidence of Insurability will be provided at Our expense if You enroll within 31 days after Your eligibility date. Evidence of Insurability will be provided at Your expense if You are a late applicant, which means You enroll for insurance more than 31 days after Your eligibility date. Evidence of Insurability Form means a form provided or approved by Us on which You provide a statement of Your medical history. You may obtain an Evidence of Insurability Form from the Policyholder What is an Annual Enrollment period? Unless otherwise specified, Annual Enrollment Period means a period of time during which eligible Employees may apply for Voluntary life coverage or request changes to their life benefit plan. The Annual Enrollment Period is shown on the Schedule of Benefits. Eligible Employees may enroll for coverage, apply for additional coverage, or request changes to their current Voluntary benefit program(s) only during the Annual Enrollment, unless they qualify because of a Change in Family Status. Employees hired after an Annual Enrollment period may enroll within 31 days after their eligibility date. If a new Employee does not elect Voluntary coverage within that time period, he must wait for the next Annual Enrollment to enroll unless he qualifies because of a Change in Family Status. Initial requests for coverage or requests for changes to existing coverage made during the Annual Enrollment period will become effective on the later of the Policy anniversary date or the date We approve Your Evidence of Insurability If You are not Actively at Work, when does coverage become effective? If You are absent from Active Work on the date Your coverage would otherwise become effective; and Your absence is caused by an Injury, illness or layoff, Your effective date for any initial coverage or increased coverage will be deferred until the first day You return to Active Work. However, You will be considered Actively at Work on any day that is not Your regularly scheduled work day (including but not limited to a weekend, vacation or holiday) if You were Actively at Work on the immediately preceding scheduled work day and You were: 1. not Hospital Confined; or; FDL

8 2. disabled due to an Injury or Sickness Changes to Your coverage A change in Your coverage may occur if: 1. You Enroll for a different coverage option; or 2. There is a Policy change; or 3. You enter another class and become eligible for a change in benefits; or 4. You experience a qualified Change in Family Status 5. There is a change in Your Annual Earnings, which results in an increased benefit amount If You are eligible for additional coverage due to a Policy change, the additional coverage will be effective on the date the Policy change is effective, as requested by the Policyholder and agreed upon by Us. Additional coverage for reasons other than a Policy change will be effective as indicated in the "When Does Your Contributory insurance become effective?" section, or the later of: 1. The date You enroll for the additional coverage; or 2. The date You become eligible for the additional coverage, if enrollment is not required; or 3. The date We approve Your coverage if Evidence of Insurability is required. In order for Your additional coverage to begin, You must be Actively at Work. Additional Contributory coverage is subject to payment of premium. Any decrease in coverage will take effect immediately. Exception: Increases or decreases to Your Voluntary benefit program elected during the Annual Enrollment Period will become effective on the later of the next Policy anniversary date or the date We approve Your request, provided You are Actively at Work on that day Eligibility after You Terminate Employment If Your coverage ends due to termination of employment and You do not elect continued coverage under the Portability Benefit provision, You must meet all the requirements of a new Employee if You are rehired at a later date. Exception: If your coverage ends due to termination of employment and You return to Active Work in an eligible class within 12 months, we will not require Evidence of Insurability up to the amount that was in force on the last day of Your employment. Any increases in coverage will require satisfactory Evidence of Insurability. If You converted all or part of Your group life insurance when employment terminated, the individual policy must be surrendered upon return to Active Work FDL

9 TERM LIFE INSURANCE BENEFIT THIS BENEFIT ONLY APPLIES TO YOU IF YOU HAVE ELECTED TERM LIFE INSURANCE AND YOU HAVE PAID OR AGREED TO PAY THE APPLICABLE PREMIUM. When is a Life Insurance Benefit payable? We will pay Your beneficiary the amount of life insurance in force as of the date of Your death provided: 1. You are insured under the Policy on the date of death, and 2. We receive proof of death within two (2) years after the date of death. We will determine the amount of insurance payable based upon the Schedule of Benefits Are Life Insurance Benefits payable for death by suicide? Life Insurance benefits including Waiver of Premium, increased benefit amounts elected during subsequent Annual Enrollment periods and Accelerated Death Benefits, will not be payable for a loss caused by suicide or attempted suicide, while sane or insane, within one (1) year from the effective date of Your Term Life Insurance or the effective date of any increased amount of life insurance. Our liability for a death claim by suicide will be limited to the return of premium paid for this life insurance. If You: 1. were covered for life insurance under a prior carrier's policy; and 2. were insured under the Policy on its effective date; 3. and there was no lapse in coverage, We will consider the time You were covered under the Policy and under the prior carrier s policy in determining if benefits are payable for death by suicide. The death benefit, if payable under this provision, will be the lesser of the benefit under the Policy or the benefit under the prior carrier s policy Who will receive Your Life Insurance Benefits? Your beneficiary designation must be made on a form which We provide or on a form accepted by Us. If two or more beneficiaries are named, payment of proceeds will be apportioned equally unless You had specified otherwise. The Policyholder may not be named as beneficiary. Unless You provide otherwise, if a beneficiary dies before You, We will divide that beneficiary's share equally between any remaining named beneficiaries. If a beneficiary is a minor, or is not able to give a valid release for any payment of benefits made, We will not make payment until a claim is made by the person or entity which, by court order, has been granted control of the estate of such beneficiary. This provision does not prevent Us from making payment to or for the benefit of a minor beneficiary in accordance with the applicable state law. Facility of Payment If no named beneficiary survives You or if You do not name a beneficiary, We will pay the amount of insurance: 1. to Your spouse, if living; if not, 2. in equal shares to Your then living natural or legally adopted children, if any; if none, 3. in equal shares to Your father and mother, if living; if not, FDL

10 4. in equal shares to Your brothers and/or sisters, if living; if not, 5. to Your estate. If any benefits under this provision are to be paid to Your estate, We may pay an amount not greater than $1,000 to any person We consider equitably entitled by reason of having incurred funeral or other expenses incident to Your death. Any and all payments made by Us shall fully discharge Us in the amount of such payment May You change Your beneficiary? You may change Your beneficiary at any time by completing a form provided or accepted by Us, and sending it to the Policyholder. Your written request for change of beneficiary will not be effective until it is recorded by the Policyholder. After it has been so recorded, it will take effect on the later of the date You signed the change request form or the date You specifically requested. If You die before the change has been recorded, We will not alter any payment that We have already made. Any prior payment shall fully discharge Us from further liability in that amount. If You are approved for continued life coverage under the Waiver of Premium or Portability provision, You may be asked to name a beneficiary. A beneficiary designation made in connection with Waiver of Premium or Portability, if different from the designation on Your enrollment form, shall constitute a change of beneficiary under the Policy. Such change of beneficiary only applies while You qualify for continued coverage under the Waiver of Premium or Portability provision. If continuation of life insurance under the Waiver of Premium or Portability provision ceases, and You are employed by the Policyholder, You must make a new beneficiary designation. If You do not name a new beneficiary, We will pay death benefits in accordance with the Facility of Payment provision FDL CONVERSION OF LIFE INSURANCE How much Life Insurance may You convert if eligibility terminates? You may convert to an individual policy of life insurance if Your life insurance, or a portion of it, ceases because: 1. You are no longer employed by the Policyholder; or 2. You are no longer in a class which is eligible for life insurance. In either of these situations, You may convert all or any portion of Your life insurance which was in force on the date Your life insurance ceased. How much Life Insurance may You convert if the policy terminates or is amended? You may also convert to an individual policy of life insurance if Your life insurance ceases because: 1. life insurance benefits under the Policy cease; or 2. the Policy is amended making You ineligible for life insurance; however, in either of these situations, You must have been insured under the Policy, or the Policy it replaced, for at least five (5) years. The amount of insurance converted in either of these situations will be the lesser of: 1. the amount of life insurance in force, less any amount for which You become eligible under this or any other group policy within 31 days after the date Your life insurance ceased; or 2. $10,000.

11 How to apply for conversion We must receive written application and the first premium for the individual life insurance policy within 31 days after life insurance under the Policy ceased. No Evidence of Insurability will be required. The individual policy will be a policy of whole life insurance. It will not contain waiver of premium, accelerated death benefit, disability benefits, accidental death and dismemberment benefits or any other ancillary benefits. The minimum issue amount of an individual conversion policy is $2,000. The premium for the individual policy will be based on: 1. Our current rates based upon Your attained age; and 2. the amount of the individual policy. If application is made for an individual policy, the coverage under the individual policy will be effective on the day following the 31-day period during which You could apply for conversion. If You die during a period when You would have been entitled to have an individual policy issued to You and if You die before such an individual policy became effective, We will pay Your beneficiary the greatest amount of group term life insurance for which an individual policy could have been issued, provided: 1. Your death occurred during the 31-day period within which You could have made application; and 2. We receive proof of death within two (2) years of the date of death. If life insurance benefits are paid under the Policy, payment will not be made under the converted policy, and premiums paid for the converted policy will be refunded. If You have elected Portability, conversion is not available for amounts continued under Portability unless coverage under Portability terminates. Conversion from Portability will be as specified under Portability. Notice. If the Policyholder fails to notify You at least 15 days prior to the date insurance under the Policy would cease, You shall have an additional period within which to elect conversion coverage; but nothing herein shall be construed to continue any insurance beyond the period provided for in the Policy. The additional election period shall expire 15 days immediately after the Policyholder gives You notice, but in no event shall it extend beyond 60 days immediately after the expiration of the 31-day period explained above WAIVER OF PREMIUM What is the Waiver of Premium benefit? We will continue Your Voluntary life insurance benefit under the Policy without further payment of life insurance premium if You become Totally Disabled, provided: 1. You are insured under the Policy and were Actively at Work on or after the effective date of the Policy; and 2. You are under the age of 60; and FDL

12 3. You provide Us with satisfactory written proof within 12 months after the date You became Totally Disabled; and 4. Your Total Disability has continued without interruption for at least 6 months; and 5. You are still Totally Disabled when You submit the proof of disability; and 6. all required premium has been paid. Total Disability or Totally Disabled means You are diagnosed by a Doctor to be completely unable because of Sickness or Injury to engage in any occupation for wage or profit or any occupation for which You become qualified by education, training or experience. We will waive premium beginning the month after We receive satisfactory proof that You have been Totally Disabled for at least 6 months. Premium will continue to be waived provided You: 1. remain Totally Disabled; and 2. provide satisfactory written proof of continuing Total Disability upon request. You are responsible for obtaining initial and continuing proof of Total Disability. You will be covered for the amount of life insurance in force as of the date Total Disability commenced. The amount of life insurance continued in force will be subject to any reduction in benefits as shown on the Schedule of Benefits or which are the result of an amendment to the Policy, but in no event will the insurance amount increase while Your life insurance is continued under Waiver of Premium. This life insurance coverage will continue without the payment of premium until You are no longer Totally Disabled, or attain the Maximum Waiver of Premium Duration as set forth in the Schedule of Benefits or retire, whichever occurs first. We may have You examined at reasonable intervals during the period of claimed Total Disability. Continuation of life insurance under the Waiver of Premium provision shall end immediately and without notice if You refuse to be examined as and when required. If You are approved for continued coverage under the Waiver of Premium provision, You will be asked to name a beneficiary. That beneficiary designation: 1. will only apply while Your coverage continues under this Waiver of Premium provision; and 2. if different from the designation on Your enrollment form, shall constitute a change of beneficiary under the Policy. We will pay the amount of life insurance in force to Your beneficiary if You die before furnishing satisfactory proof of Total Disability, if: 1. You die within one year from the date You became Totally Disabled; and 2. We receive proof that You were continuously Totally Disabled until the date of death; and 3. We receive proof of death not more than two (2) years after Your death. If continuation of life insurance under the Waiver of Premium provision ceases while the Policy is still in force, and You are employed by the Policyholder, Your life insurance will continue provided premium payments begin on the next premium due date. If You return to work with the Policyholder, You must make a new beneficiary designation. If You do not name a new beneficiary, We will pay death benefits in accordance with the Facility of Payment provision. FDL

13 If continuation of life insurance under the Waiver of Premium provision ceases, and You are no longer employed by the Policyholder, You may apply for an individual life insurance policy in accordance with the Conversion of Life Insurance provision of this Certificate FDL

14 FDL ACCELERATED DEATH BENEFIT The benefit paid under this provision may be taxable. If so, You or Your beneficiary may incur a tax obligation. As with all tax matters, You or Your beneficiary should consult a personal tax advisor to assess the impact of the benefit. Receipt of this benefit may adversely affect Your eligibility for Medicaid or other governmental benefits or entitlements. What is the Accelerated Death Benefit? The Accelerated Death Benefit is a percentage of Your group Voluntary term life insurance which is payable to You prior to Your death if We receive Proof that You have a Terminal Condition. The Accelerated Death Benefit is limited to the maximum and minimum amounts shown on the Schedule of Benefits, and is payable only once to any one Insured. The Accelerated Death Benefit is calculated on the group Voluntary term life insurance benefit amount in force under the Policy on the date You are diagnosed with a Terminal Condition. If Your group term life insurance will reduce, due to age, within 12 months after the date We receive Proof, the Accelerated Death Benefit will be calculated on the reduced group Voluntary term life insurance benefit. Who is Eligible for an Accelerated Death Benefit? This benefit only applies to Insureds with at least the Minimum Covered Life Insurance Benefit amounts set forth in the Schedule of Benefits. You must have been Actively at Work on or after the effective date of the Policy to be eligible for an Accelerated Death Benefit. This benefit does not apply to Accidental Death and Dismemberment benefits. Terminal Condition means You have been examined and diagnosed by Your Doctor as having a medically determined condition which is expected to result in death within 12 months from the date that a claim for benefit under this provision is received by Us. We have the sole right to determine if such proof is acceptable. The Accelerated Death Benefit Payment We will pay the benefit during Your lifetime if You are diagnosed with a Terminal Condition if You or Your legal representative submits a claim for an Accelerated Death Benefit and provides satisfactory Proof. The benefit will be paid in one sum to You. Are there any exceptions to the payment of the Accelerated Death Benefit? The Accelerated Death Benefit will not be payable: 1. for any amount of group term life insurance which is less than the Minimum ADB Payment as set forth in the Schedule of Benefits; or 2. if Your Terminal Condition is the result of: a. attempted suicide, while sane or insane; or b. intentionally self-inflicted injury; or 3. if Your group term life insurance benefit has been assigned; or 4. if Your group term life insurance benefit is payable to an irrevocable beneficiary, including notification to Us that such benefit or a portion of such benefit is to be paid to a former spouse as part of a divorce or separation agreement; or 5. to retirees.

15 Notice and Proof of Claim You must elect the Accelerated Death Benefit in writing on a form that is acceptable to Us. You must furnish Proof that You have a Terminal Condition, including certification by a Doctor. Proof under the Accelerated Death Benefit means evidence satisfactory to Us that You have a Terminal Condition. We reserve the right to determine, at Our sole discretion, if Proof is acceptable. Effect on Insurance The Accelerated Death Benefit is in lieu of the group term life insurance benefit that would have been paid upon Your death. When the Accelerated Death Benefit is paid: 1. the term life insurance benefit otherwise payable upon Your death will be reduced by the amount of the Accelerated Death Benefit; 2. the amount of group term life insurance which could otherwise have been converted to an individual contract will be reduced by the amount of the Accelerated Death Benefit; and 3. the premium due for group term life insurance will be calculated on the amount of such insurance remaining in force after deducting the Accelerated Death Benefit FDL

16 PORTABILITY BENEFIT What is the Portability Benefit? If Your Voluntary Group Life Insurance, or any portion of it, terminates, You may elect to continue Your Life Insurance in accordance with the terms of the Policy by paying premiums directly to Us. The coverages eligible for Portability and the Portability Benefit Duration are set forth in the Schedule of Benefits. The premiums for the coverage continued under the Portability Benefit will not be the same as the premium You are charged for Your group Life insurance under the Policy. Portability premium will be based on: 1. Our current rates for the applicant's age and class of risk at the time he elects Portability; and 2. the amount of insurance continued under Portability. The maximum amount of Life Insurance which may be continued under Portability is the amount of Life Insurance in force at the time the Portability Benefit is elected. A beneficiary designation on the Application for Portability, if different from the designation on Your enrollment form, shall constitute a change of beneficiary under the Policy, and that beneficiary designation will only apply while Your coverage continues under this Portability Benefit provision. The Waiver of Premium is not available for any Insured whose Total Disability begins after coverage under Portability becomes effective. The Accelerated Death Benefit is not available for any Insured who is diagnosed with a Terminal Condition after coverage under Portability becomes effective. What are Eligibility Requirements for Employee Portability? To be eligible for Portability, You must meet the following conditions: 1. You must have been insured under the Policy for at least one year prior to electing Portability; and 2. Your Life Insurance, or a portion of it, must have terminated for reasons other than termination of the master Policy; and 3. You must be less than 70 years of age; and 4. You must not have exercised the right to convert under the Conversion of Life Insurance provision the amount of Life Insurance You elect under the Portability Benefit. If You elect the Portability benefit, any amounts of Life Insurance which are not ported may be converted in accordance with the terms of the Conversion of Life Insurance provision. You must submit an application for Portability and the first premium within 31 days after the date Your Life Insurance terminated. We reserve the right to rescind any coverage amounts continued under Portability if it can be shown that You misrepresented any of the information provided to support eligibility for Portability. FDL

17 Can Dependent Spouse Life Insurance be Ported if Your Eligibility Terminates or if Your Spouse s Coverage Terminates? Yes, You or Your insured Spouse may elect Portability of Dependents Life Insurance if Dependents insurance coverage ceases as follows: 1. You may apply for Portability of Dependent Spouse Life Insurance if You meet the eligibility requirements to port Your Life Insurance as shown above and You are covered for Dependent Spouse Life insurance on the date Your coverage ceases. 2. Your insured Spouse may apply for Portability of his Group Life Insurance provided: a. Your Spouse s life insurance terminates because You die or Your eligibility for Dependent Spouse Life Insurance ceased for reasons other than termination of the master Policy and Your Spouse is less than 65 years of age. b. Your Spouse must have been insured for such coverage(s) under the Policy for at least one year prior to electing Portability. c. Portability is not available if Your Spouse s life insurance terminates because he no longer meets the Policy definition of an Eligible Dependent Spouse. 3. You or Your Spouse must not have exercised the right to convert under the Dependent Conversion Privilege provision of the Policy the amount of coverage You or Your Spouse elect under the Portability Benefit. If You elect portability of Dependent Spouse Life Insurance, any amounts of Dependent Spouse Life Insurance which are not ported may be converted in accordance with the terms of the Policy. If these criteria are met, You or Your Spouse, must submit an Application for Portability and the first premium within 31 days after the date such eligible Dependent Spouse Life Insurance terminated. We reserve the right to rescind any coverage amounts continued under Portability if it can be shown that You or Your Spouse misrepresented any of the information provided to support eligibility for Portability of Dependent Spouse Life Insurance. When will Portable Coverage Terminate? Insurance continued under the Portability Benefit provision of the Policy will terminate at the earliest of the following: 1. the date You return to work with the Policyholder while the Policy is still in force; or 2. the date You or Your Spouse fail to pay the required premiums when due; or 3. the end of the Portability Benefit Duration set forth in the Schedule of Benefits; or 4. the date the group Policy terminates; or 5. the premium due date following the date a Dependent ceases to meet the definition of an Eligible Dependent. If continuation of life insurance under the Portability Benefit provision ceases while the Policy is still in force, and You are employed by the Policyholder, Your life insurance will continue provided premium payments begin on the next premium due date. If You return to work with the Policyholder, You must make a new beneficiary designation. If You do not name a new beneficiary, we will pay death benefits according to the Facility of Payment provision. FDL

18 Is Conversion available after coverage under Portability ends? If coverage under Portability terminates according to (3) or (4) above, You may convert to an individual policy of whole life insurance in accordance with the terms of the Conversion provisions of the Policy. No Evidence of Insurability will be required. The amount of the conversion policy may not exceed the amount of life insurance which terminated as set forth above FDL

19 DEPENDENT SPOUSE LIFE INSURANCE THIS BENEFIT ONLY APPLIES IF YOU HAVE ELECTED DEPENDENT SPOUSE TERM LIFE INSURANCE AND YOU HAVE PAID OR AGREED TO PAY THE APPLICABLE PREMIUM. What is the Dependent Spouse Life Insurance Benefit? We will pay You the amount of insurance set forth in the Schedule of Benefits on the life of Your Dependent(s) while Your insurance is in force. Payment will be in one lump sum. If You are not living at the time Dependent Spouse Life insurance benefits become payable, We will pay the benefit: 1. to Your Spouse, if living; if not, 2. in equal shares to Your then living natural or legally adopted children, if any; if none, 3. in equal shares to Your father and mother, if living; if not, 4. in equal shares to Your brothers and sisters, if living; otherwise 5. to Your estate. Are Life Insurance Benefits payable for death by suicide? Life Insurance benefits will not be payable for a loss caused by suicide or attempted suicide, while sane or insane, within one (1) year from the effective date of Your covered Dependent s Term Life Insurance or the effective date of any increased amount of life insurance. Our liability for a death claim by suicide will be limited to the return of premium paid for this life insurance. If Your covered Dependent(s): 1. were covered for life insurance under a prior carrier's policy; and 2. were insured under the Policy on its effective date; 3. and there was no lapse in coverage, We will consider the time Your covered Dependent(s) were covered under the Policy and under the prior carrier s policy in determining if benefits are payable for death by suicide. The death benefit, if payable under this provision, will be the lesser of the benefit under the Policy or the benefit under the prior carrier s policy Who is eligible for Dependent Spouse Life Insurance? If You or Your Spouse are insured for life insurance under the Policy and belong to a class listed in the Schedule of Benefits as eligible for Dependent Spouse Life Insurance benefits, You are eligible to enroll for this benefit. Note: No eligible person may be covered more than once under the Policy. If a person is covered as an Employee or Retiree, he cannot be covered as a Spouse of another Employee. When does Dependent Spouse Life Insurance become effective? Provided You: 1. have completed any required Employee Eligibility Waiting Period; and 2. apply for Dependent Spouse Life Insurance no later than 31 days after becoming eligible for this benefit; and FDL

20 3. have paid or are obligated to pay any applicable premium, Life insurance for Your Eligible Dependent(s) will become effective on the later of: 1. the date Your group insurance coverage becomes effective; 2. the date of the Dependent Spouse Life Insurance benefit; or 3. the date You enroll Your Eligible Dependent(s); 4. if Evidence of Insurability is required, the date We determine that evidence is satisfactory and We provide notice of approval. If You enroll for Dependent Spouse Life Insurance more than 31 days after You are eligible to do so, You must furnish Evidence of Insurability satisfactory to Us for Your Dependent, and coverage will become effective as set forth above. If an Eligible Dependent is required to submit satisfactory Evidence of Insurability for any reason, insurance in the amount for which We require such evidence will become effective on the date We determine that the evidence is satisfactory and We provide notice of approval. If an Eligible Dependent is Hospital Confined on the date coverage would otherwise become effective, insurance will not become effective until the date the Eligible Dependent is No Longer Hospital Confined or Your Spouse is able to perform at least two of the Activities of Daily Living. When do changes in the Dependent Spouse Life Insurance benefit become effective? If no Evidence of Insurability is required, increases in the amount of Dependent Spouse Life Insurance will become effective immediately on the date of the change, provided the Dependent is not Hospital Confined on that day. If the Dependent is Hospital Confined, the increase will become effective on the date the Dependent is No Longer Hospital Confined. For amounts on which Evidence of Insurability is required, increases in the amount of Dependent Spouse Life Insurance will be effective on the date We determine that evidence is satisfactory and We provide notice of approval date. Any decrease in the amount of Dependent Spouse Life Insurance will become effective immediately on the date of the change Definitions which apply to the Dependent Spouse Life Insurance provision: Eligible Dependent means: 1. Your Spouse (unless legally separated or divorced and no court order requires coverage) or Domestic Partner. No Longer Hospital Confined means the Eligible Dependent has been discharged from a hospital, nursing home or other medical facility which provides skilled medical care. Spouse means lawful spouse in the jurisdiction in which You reside. Spouse will include Your Domestic Partner FDL

21 CONVERSION OF DEPENDENT SPOUSE LIFE INSURANCE Can Dependent Spouse Life Insurance be converted if Eligibility Terminates? Yes, a Dependent may convert to an individual policy of life insurance if his life insurance, or any portion of it, ceases because: 1. You are no longer employed by the Policyholder; or 2. You are no longer in a class which is eligible for Dependent Spouse Life Insurance; or 3. You die; or 4. a Dependent Spouse is no longer eligible as a result of divorce or dissolution of marriage; or 5. a Dependent is no longer eligible as defined in this provision. In any of these situations, the Dependent may convert up to the amount which was in force on the date insurance was terminated provided You do not elect continued Dependent Spouse Life Insurance coverage under the Portability Benefit provision. How much can Your covered Dependent convert if the Policy is terminated or amended? A Dependent may also convert to an individual policy of life insurance if his life insurance ceases because: 1. Dependent Spouse Life Insurance benefits under the Policy cease; or 2. the Policy is amended making the insured Dependent ineligible for Dependent Spouse Life Insurance; however, he must have been insured under the Policy, or the policy it replaced, for at least five (5) years. The amount of insurance converted in either of these situations will be the lesser of: 1. the amount of life insurance in force, less any amount for which the Dependent becomes eligible under this or any other group policy within 31 days after the date his life insurance ceased; or 2. $10,000. How to apply for conversion We must receive written application and the first premium for the individual life insurance policy within 31 days after life insurance under the Policy ceases. No Evidence of Insurability will be required. The individual policy will be a policy of whole life insurance. It will not contain Accidental Death and Dismemberment benefits or any other supplementary benefits. The minimum issue amount of an individual conversion policy is $2,000. The premium for the individual policy will be based on: 1. Our current rates based upon the applicant's attained age; and 2. the amount of the individual policy. If the Dependent applies for an individual policy, the coverage under the individual policy will be effective on the day following the 31-day period during which he could apply for conversion. FDL

22 If the Dependent dies during a period when he would have been entitled to have an individual policy issued to him and if he dies before such an individual policy became effective, We will pay the greatest amount of group term life insurance for which an individual policy could have been issued, provided: 1. the death occurred during the 31-day period during which he could have made application; and 2. We receive proof of death within two (2) years of the date of death. If life insurance benefits are paid under the Policy, payment will not be made under the converted policy, and We will refund any premiums paid for the converted policy FDL

23 TERMINATION PROVISIONS When does Your coverage under the Policy end? Your coverage will terminate on the earliest of the following dates. Termination will not affect Your claim for a covered Loss which occurred while the coverage was in force. 1. the date on which the Policy is terminated; 2. the date You stop making any required contribution toward payment of premiums; 3. the effective date of an amendment to the Policy which terminates insurance for the class to which You belong; or 4. the sixth month following termination of employment for Executive City Attorneys, Executive City Managers and Executive City Clerks; or 5. the date You: a. are no longer a member of a class eligible for this insurance, b. request termination of coverage under the Policy, c. are retired or pensioned, or d. are no longer Actively at Work as a result of a disability, layoff, leave of absence, sabbatical or military leave, You may continue to be eligible for group insurance coverage, as follows: Disability Layoff Leave of Absence Sabbatical Military Leave Until the end of the twelfth month following the month in which the disability began, provided all premiums are paid when due. Until the end of the month in which You are no longer Actively at Work due to layoff, provided all premiums are paid when due. Until the end of the twelfth month following the month during which the leave of absence began, provided all premiums are paid when due; or, governed by the Policyholder s Human Resource policy on family and medical leaves of absence, in accordance with the FMLA provision below. Until the end of the month in which the sabbatical began, provided all premiums are paid when due. Until the end of the twelfth month following the month in which the military leave began, provided all premiums are paid when due. For the purposes of this provision, Disability means You are unable to perform all of the Material and Substantial Duties of Your Regular Occupation Will coverage be continued if You are eligible for leave under FMLA? In the event You are eligible for and the Policyholder approves a leave under the Family and Medical Leave Act of 1993 (FMLA), or any applicable state family and medical leave law (State FML), provided the required premium continues to be paid, Your insurance will continue for a period of up to the later of: 1. the leave period permitted by the federal Family and Medical Leave Act of 1993 and any amendments; or 2. the leave period permitted by applicable state law. FDL

24 You are eligible for leave under this Act in order to provide care: 1. After the birth of a child; or 2. After the legal adoption of a child; or 3. After the placement of a foster child in Your home; or 4. To a spouse, child or parent due to their serious illness; or 5. For Your own serious health condition. While granted a Family or Medical Leave of Absence: 1. The Policyholder must remit the required premium according to the terms of the Policy; and 2. coverage will terminate if You do not return to work as scheduled according to the terms of Your agreement with the Policyholder When does Dependent Spouse Life Insurance coverage end? Unless life insurance is continued under the Portability Benefit provision, Dependent Spouse Life Insurance coverage will end on the earliest of: 1. the date You are no longer Actively at Work (except in the case of disability, layoff or leave of absence as set forth above); or 2. the date on which the Policy is terminated; 3. the date You stop making any required contribution toward payment of premiums; 4. the effective date of an amendment to the Policy which terminates insurance for the class to which You belong; or 5. the sixth month following termination of employment for Executive City Attorneys, Executive City Managers and Executive City Clerks; or 6. the date You: a. are no longer a member of a class eligible for this insurance, b. request termination of coverage under the Policy, c. are retired or pensioned. 7. the date a Dependent Spouse no longer meets the Policy definition of Eligible Dependent FDL

25 GENERAL PROVISIONS Entire Contract; Changes The Policy, the Policyholder s Application, the Employee s Certificate of coverage, and Your application, if any, and any other attached papers, form the entire contract between the parties. Coverage under the Policy can be amended by mutual consent between the Policyholder and Us. No change in the Policy is valid unless approved in writing by one of Our officers. No agent has the right to change the Policy or to waive any of its provisions. Statements on the Application In the absence of fraud, all statements made in any signed application are considered representations and not warranties (absolute guarantees). No representation by: 1. the Policyholder in applying for the Policy will make it void unless the representation is contained in his signed Application; or 2. any Employee in applying for insurance under the Policy will be used to reduce or deny a claim unless a copy of the application for insurance, signed by the Employee, is or has been given to the Employee. Legal Actions Unless otherwise provided by federal law, no legal action of any kind may be filed against Us: 1. until 60 days after proof of claim has been given; or 2. more than 3 years after proof of Loss must be filed, unless the law in the state where You live allows a longer period of time. Clerical Error Clerical error or omission by Us to the Policyholder will not: 1. Prevent You from receiving coverage, if You are entitled to coverage under the terms of the Policy; or 2. Cause coverage to begin or coverage to continue for You when the coverage would not otherwise be effective. If the Policyholder gives Us information about You that is incorrect, We will: 1. Use the facts to decide whether You have coverage under the Policy and in what amounts; and 2. Make a fair adjustment of the premium. Incontestability The validity of the Policy shall not be contested, except for non-payment of premiums, after it has been in force for two years from the date of issue. The validity of the Policy shall not be contested on the basis of a statement made relating to insurability by any person covered under the Policy after such insurance has been in force for two years during such person's lifetime, and shall not be contested unless the statement is contained in a written instrument signed by the person making such statement. Premium Provisions Premiums are payable in United States dollars on or before their due dates. The Policyholder has agreed to deduct from Your pay any premiums payable for Your Voluntary coverage. The Policyholder agrees to remit such premiums for the entire time coverage under the Policy is in effect. FDL

26 Premium charges for increases in insurance amounts becoming effective during a policy month will begin on the next premium due date. Premium charges for insurance terminating during a policy month will cease at the end of the month in which such insurance terminates. This method of charging premium is for accounting purposes only. It will not extend any insurance coverage beyond the date it would otherwise have terminated. Misstatement of Age If You have misstated Your age, the true age will be used to determine: 1. the effective date or termination date of insurance; and 2. the amount of insurance; and 3. any other rights or benefits. Premiums will be adjusted to reflect the premiums that would have been paid if the true age had been known. Conformity with State Statutes and Regulations If any provision of the Policy conflicts with the statutes and regulations of the state in which the Policy was issued or delivered, it is automatically changed to meet the minimum requirements of the statute. Assignment You may assign any incident of ownership You may possess of the life insurance benefits provided under the Policy to anyone other than the Policyholder. We are not responsible for the validity or legal effect of any assignment. Collateral assignments, by whatever name called, are not permitted. Retention of Discretion Fort Dearborn Life Insurance Company shall have the exclusive right to interpret the terms of the Certificate, Schedule of Benefits, Riders and Endorsements. The decision about whether to pay any claim, in whole or in part, is within the sole discretion of Fort Dearborn and such decisions shall be final and conclusive FDL

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